COPPA Compliance

Identity verification via trusted and verified data sources in the United States specifically designed for COPPA compliance.

How does this service work?

Per FTC Safe Harbor Guidelines we must locate the target, determine they are not deceased, are "18+" and have provided an accurate SSN variable from the list below.

• You must provide the target's SSN variable in one of three formats:

  • Full 9 SSN

  • Last 4 SSN

  • IDR Calc SSN

  IDR Calc is Veratad's patented process that allows the user to sum up at least two digits from their SSN to prove they know the variable without collecting sensitive PII. See IDR Calc section below for more details

This service can also be accessed in countries outside of the United States. Please contact your Veratad Professional Services Team Member for more details.

IDMatchCOPPA5.0

POST https://production.idresponse.com/process/5/gateway

Make an

HTTPS POST

request with the following body parameters to find out if the target has provided valid identity attributes. You will receive a synchronous response in 2-3 seconds with a

result

object that includes an

action, detail

and

issues object

.

Request Body

Name	Type	Description
user	string	Your account's API username
pass	string	Your account's API password
service	string	The service name (IDMatch5.0)
reference	string	A unique identifier for your customer
target	object	The individual being sent for verification
fn	string	The target's first name
ln	object	The target's last name
addr	string	The target's street address (line 1 and line 2)
city	string	the target's city
state	string	The target's state
zip	string	The target's zip
dob	string	The target's Date of Birth (YYYYMMDD format)
ssn	string	The target's SSN (either 4, 9 or IDR Calc) \ \ See IDR Calc section below for more details.
phone	string	The target's phone number
email	string	The target's email address
age	string	The age to check (must be sent like "age+" i.e. "18+", "21+" etc.)
test_key	string	The test key value that you are using to test

200 Transaction processed and result returned

{
  "meta": {
    "company": "Company ABC, Inc.",
    "confirmation": "21201890",
    "reference": "12345 {A UNIQUE ID}",
    "service": "IDMatchCOPPA5.0",
    "timestamp": "2020-08-08 17:56:14",
    "user": "[e-mail]"
  },
  "result": {
    "action": "REVIEW",
    "detail": "TRANSACTION REQUIRES FURTHER ATTENTION",
    "issues": [
      "SSN CHECK FAILED"
    ]
  }
}

Sample Request Body

{
      "user": "USERNAME",
      "pass": "PASSWORD",
      "service": "IDMatchCOPPA5.0",
      "reference": "12345 {A UNIQUE ID}",
      "target":{
            "fn":"Barbara",
            "ln": "Miller",
            "addr": "123 Main St",
            "city": "Stratford",
            "state": "CT",
            "zip": "06614",
            "dob": "19740821",
            "ssn": "5698",
            "age": "18+",
            "test_key": "general_identity"
          }
  }

Action and Detail Responses

The following are all values that will be returned in the result object of the response.

Action	Detail	Description
FAIL	NO MATCH	No matching identity found in the data sources
FAIL	TARGET IS DECEASED	Target found as a deceased identity
FAIL	MINOR SUBMITTED	The target's submitted DOB is under 18
FAIL	TARGET IS UNDERAGE	We have found the target's DOB and it is under 18+
FAIL	POSSIBLE MINOR	There are multiple DOBs on file and we could not determine which links to the target and one of them is under 18+
FAIL	AGE NOT VERIFIED	There was no DOB on file for this individual so we were unable to verify their age
REVIEW	TRANSACTION REQUIRES FURTHER ATTENTION	Target found and not deceased, but at least one identity attribute provided does not match. For this service the only issue will be "SSN CHECK FAILED".
PASS	ALL CHECKS PASSED	Target was found, is not deceased and has passed all verification checks

Issues Responses

When a transaction returns as REVIEW then there will be a list of issues. This list can include any of the below values.

Issue	Description
SSN CHECK FAILED	The SSN provided does not match any on file

Rules

IDMatch+COPPA will process with the default base ruleset:

The base ruleset will return a PASS when:

• A match is found

• The target is not deceased

• The target is 18+

• The target has provided an accurate SSN value

The base ruleset will return a REVIEW when:

• A match is found

• The target is not deceased

• The target is 18+

• The target did not provide an accurate SSN value

The base ruleset will return a FAIL when:

• A match is not found

• The target is deceased

• The target could not be confirmed as 18+

IDR Calc

IDR Calc is Veratad's patented process that allows the user to sum up at least two digits from their SSN to prove they know the variable without collecting sensitive PII. Here is an example request using IDR Calc.

{
      "user": "USERNAME",
      "pass": "PASSWORD",
      "service": "IDMatchCOPPA5.0",
      "reference": "12345 {A UNIQUE ID}",
      "target":{
            "fn":"Barbara",
            "ln": "Miller",
            "addr": "123 Main St",
            "city": "Stratford",
            "state": "CT",
            "zip": "06614",
            "dob": "19740821",
            "dcalc_mask": "100000001", // use this attribute to set which question you asked
            "dcalc_answer": "16", // use this attribute to populate the user's answer
            "age": "18+",
            "test_key": "general_identity"
          }
  }

Attribute	Description
dcalc_mask	Defines to the system what two digits you asked the customer to sum Place a "1" in the positions of the summed values and "0" in the remaining positions
dcalc_answer	The value of the sum that the user entered

Service Testing

Use the test_key attribute to test the service. When the test_key is provided the system will dynamically drop the live data sources and use the testing database. To access test cases click the link below.

Test Cases